In-hand salary for ₹4 LPA (FY 2026-27)
What is the in-hand salary for ₹4 LPA?
₹28,332 / month
That’s ₹3,39,980 a year in the new regime, with basic at 50% of CTC and PF capped at ₹3,000 a month. If PF is on your full basic, it’s about ₹28,332 a month.
Open in the calculatorMonthly breakdown
| PF capped | PF on full basic | |
|---|---|---|
| Basic pay | ₹16,667 | ₹16,667 |
| Allowances (HRA, special…) | ₹13,865 | ₹13,865 |
| Gross salary | ₹30,532 | ₹30,532 |
| Your PF | −₹2,000 | −₹2,000 |
| Professional tax | −₹200 | −₹200 |
| Income tax | ₹0 | ₹0 |
| In-hand per month | ₹28,332 | ₹28,332 |
Employer PF (₹24,000/yr capped) and gratuity (₹9,620/yr) are part of your CTC but don’t reach your bank each month. Professional tax assumed at ₹2,400 a year.
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What do you know?
₹
₹4 lakh
₹
Leave at 0 if your CTC is all fixed pay
Tax regime
Salary structure
%
50% is now standard under the labour codes
Provident fund
%
Share of basic. Tax-free up to 14% in the new regime, 10% in the old.
Monthly in-hand salary
₹28,332
₹3,39,980 a year in your bank
Income tax / yr
₹0
Effective tax rate
0%
Your PF / yr
₹24,000
Monthly gross
₹30,532
Where your CTC goes
Your taxable income is ₹2,91,380 — under ₹12 lakh, so the rebate wipes out your income tax completely.
Your monthly payslip
Earnings
Basic₹16,667
Allowances (HRA, special…)₹13,865
Gross₹30,532
Deductions
Provident fund−₹2,000
Professional tax−₹200
Income tax (TDS)−₹0
Total₹2,200
Net pay₹28,332
Questions people ask
What is ₹4 LPA per month?
₹4 LPA means a CTC of ₹4,00,000 a year, or ₹33,333 a month on paper. After PF, gratuity, professional tax and income tax, the amount in your bank is about ₹28,332 a month in the new regime.
How much income tax do I pay on ₹4 LPA?
None in the new regime. Your taxable income comes to ₹2,91,380, which is under ₹12 lakh, so the rebate cancels the tax completely.
Is the old regime better for ₹4 LPA?
Only if your old-regime deductions (80C, 80D, HRA, home-loan interest, NPS) add up to more than about ₹0. Without deductions, the old regime would cost you ₹0 more a year.
Why does PF make such a difference?
If PF is calculated on your full basic instead of being capped at ₹3,000 a month, ₹0 less reaches your bank each month. That money isn’t lost: it goes into your EPF account, where it earns interest for retirement.